I have Medicaid for LTC, which means I have a $2000 asset limit. I switched banks and they deposited my SSDI payment 5 days early, in the current month, instead of the 3rd like my normal schedule is…

This put me over the $2000 asset limit. Now in this case, I got notification of the deposit, so I just paid my rent early, which means I'll finish the month around $1800 when all my accounts are taken into account. I called the bank and they have no way of opting out of this early deposit though. It's always an option for me to pay my rent early right now but that's assuming that the deposit date is always the same, which from talking to them, it sounds like it varies.

Since Social Security is already known as my sole source of income, how screwed am I if this happens occasionally where I can't get it down before the end of the month? This account has benefits that my other bank account does not and I already am in the process of closing that bank account and I already let the county know about the new account so this just makes everything into a big mess if it's going to cost me my Medicaid.

My rent comes out with Zelle, so I can effectively drop my end of month balance immediately but this does put the kibosh on me having savings outside of my ABLE account, which really sucks as it chains me to using credit cards to float expenses.

Has anyone dealt with this before? My searches are turning up people on SSI having overpayments because of it but nothing really on SSDI.